Tailor made mortgages to fit all circumstances.

No upfront fees or hidden costs

    The NHS is a major employer in the UK and working for the National Health Service may make you eligible for particular types of mortgages.

    NHS Mortgages

      The NHS is a major employer in the UK and working for the National Health Service may make you eligible for particular types of mortgages.

      NHS Mortgage Specialists

        NHS Mortgage Specialists

        The NHS is a major employer in the UK and working for the National Health Service may make you eligible for particular types of mortgages.

        What is an NHS Mortgage?

        There isn’t a specific type of NHS mortgage. Instead, there are numerous different schemes that can be used by NHS workers. There was previously something known as the government Key Worker Scheme, however, this is no longer operating.

        However, there are other schemes available such as:

        • Help to buy,
        • Shared ownership,
        • Right to buy
        • NewBuy schemes.

        To be eligible for any discounts or lower deposits, you’ll need to be employed by the NHS or by an NHS Trust in order to be eligible to take out this type of mortgage. This includes a range of organisations, including:

        • NHS GP Surgeries
        • NHS Direct
        • Ambulance Trust
        • National Blood Transfusion Service

        Furthermore, you typically need to be categorised as clinical staff to benefit from any NHS mortgage schemes.

        As there isn’t a single type of NHS mortgage, the terms of your specific mortgage deal may vary. While some schemes aimed at NHS workers enable you to purchase a property with a lower than average deposit, others may offer lower interest rates than standard mortgages.

        Finding the Best NHS Mortgages

        Different providers offer varying mortgages that could suit NHS workers, which means they operate on different terms and conditions. In order to find the best mortgage for you, it’s important to identify NHS mortgage providers, confirm your eligibility and determine which deals are right for your circumstances.

        Even when you’re taking out NHS mortgages, your ability to borrow will be dependent on your salary and any savings you have. When you take out an NHS mortgage, you may find that there are additional issues to consider. For example, you’ll need to know whether your mortgage or affordability will change if you decide to switch jobs.

        Due to the range of mortgages available to NHS workers, it can be beneficial to access independent advice before deciding what type of lending is right for your family. Taking out a mortgage is one of the biggest financial decisions you’ll make, so it’s vital you have the advice, support and information you need.

        In addition to this, it isn’t always easy for consumers to access information about NHS mortgages. As some of the mortgage schemes aimed at clinical NHS staff have closed, such as the Key Worker scheme. By seeking help from an independent advisor, you can learn more about what NHS mortgages are available to you and determine which type of mortgage will enable you to buy your dream home.

        We are happy to help and discuss your needs

        We are great listeners who will never judge your situation

        We provide sound advice and research

        We will support and help you all the way

        Products and Services

        Self Employed Mortgages

        Whether you are a limited company, sold trader or contractor, whatever your circumstances when you work for yourself we can find the right deal for you.

        Buy to Let Mortgages

        Looking for advice on your first buy to let? Are you looking to refinance an existing buy to let, or do you have a portfolio? Whatever your circumstances Finance Surgery will have a solution for you.


        Coming to the end of your current product, or simply sat on a variable rate? Finance Surgery will compare the products available with your current lender and then compare those whole of market.

        Bridging Finance

        If you need to raise finance at short notice, bridging finance can be an excellent option. Finance Surgery has access to specialist bespoke products.

        First Time Buyers & Movers

        At Finance Surgery we pride ourselves on taking the stress out of buying your first home or if you are moving house. Contact us for a hassle and stress free experience.

        We guide you through the entire mortgage process…

        At Finance Surgery we want all of our clients to not only feel totally confident in the advice they receive now, but more importantly for their future.

        We are experts in all types of mortgages, protection and general insurance products. We have years of experience dealing with all types of scenarios and take great satisfaction in ensuring that our clients have the right products and solutions for them.

        When the time comes to start looking for a mortgage, the amount of information out there can make it seem like an extremely daunting process. You may have some knowledge of mortgages, but not enough to make an informed decision – or you might not have a clue where to start.

        At Finance Surgery, we aim to make the process as straightforward as possible for you, so you make the right decision to suit your own needs. We understand the complexity of mortgages and try to sift through the jargon to make it easier for first time buyers. Whether you have experience of mortgages or not, we are here to help.

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        What is a mortgage?

        If you want to own your home, you will probably need a mortgage. A mortgage is basically a loan to help you pay for your house. With the average cost of a home in the UK currently standing at over £200,000 (https://www.zoopla.co.uk/house-prices/uk/), very few can pay for it outright.

        There are mortgages options available to suit most circumstances, including first time buyers, those who are re-mortgaging and people who are moving up the property ladder. In most cases, you will need to put down a deposit before you can obtain a mortgage.

        Buying your home is essentially the biggest purchase you’ll ever make in your life – and the most important. Although you often end up paying much more back, it can make owning a home affordable.

        Benefits of using a mortgage advisor…

        A mortgage advisor is particularly important for first time buyers, but it is worthwhile seeing one, even if you have had a mortgage before. There are many different types of mortgages out there and an advisor will be able to help you understand which is right for you.

        A mortgage is a huge financial commitment, so you need to be sure you make the right decision. It is always worthwhile seeking the guidance of a specialist who can advise on the different types of mortgages available to you, give advice on how much you can realistically afford to borrow and help you with your application. An independent mortgage advisor may be a good way to get the mortgage you want.

        What to look for in your next mortgage…

        It is important to understand exactly what you will be paying. A mortgage might have low rates, but high fees, so this is something to look out for. You should have a good understanding of how much you will be paying and how you will afford this, before you make any decisions. Consider the tie ins of the mortgage, as you never know whether your situation will change.

        The last thing you want is to end up with extra fees you didn’t realise you were getting. You also need to know whether the rate is fixed or subject to change and which of these you feel most comfortable with. There may also be flexibility, where you can overpay or take mortgage breaks, and this can be valuable in the decision-making process.

        It is important to understand all the facts about the mortgage, before you decide. This is where we can help. Contact us today so we can help to find the right mortgage for you.

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